How does Ltd work with STD benefits?

These plans often work together with STD, so when an employee exhausts their STD benefits, LTD benefits continue to provide the employee with income. As with STD benefits, LTD does not provide workers with job protection.

What is short-term disability insurance (STD)?

Short-Term Disability Insurance (STD). Short-term policies pay benefits for short periods of time – typically three months, six months, or one year, after a brief waiting (elimination) period. Short-term disability insurance can be very expensive to purchase as an individual, but group plans are typically less expensive than long-term group plans.

When do Ltd and STD benefits start?

Typically, if you have coverage for both STD and LTD benefits, LTD benefits would start at the end of the STD period, if you meet the definition of disability. In most cases, STD benefits are meant to cover the duration of the waiting period for long-term disability benefits.